# S-P12-M-01: Which NZ car insurers let me get a quote, buy, update drivers and lodge claims online? Collected 11 October 2026 [Car insurance study](https://nzbrands.ai/research/insurance/car-insurance) ## ChatGPT Answer ID: d84ff03e-9946-49a6-a671-a4fdb344a17c In New Zealand, the strongest options to investigate are Tower, State, and AMI if you want to handle the entire car-insurance process online: get a quote, purchase cover, manage drivers, and lodge claims without needing to phone for routine tasks. The important distinction is that some insurers let you do all four through one online account, while others require a phone call for certain policy changes. ## Best matches for fully online car insurance ### 1. Tower Insurance All four tasks supported - Quote and buy: Online car insurance quote and purchase. - Drivers: Add or remove named drivers in My Tower. - Claims: Lodge vehicle claims online and track their progress. Its My Tower portal also lets you adjust your excess and agreed value. [Car Insurance NZ - Quick Quote & Buy Online](https://www.tower.co.nz/Car-Insurance/)[My Tower - Keep a Track of Your Policies](https://www.tower.co.nz/manage/mytower/)[Submit your Claim Online](https://www.tower.co.nz/claims/) [Get a Tower car insurance quote](https://www.tower.co.nz/Car-Insurance/) ### 2. State Insurance All four tasks supported - Quote and buy: Available online and in the State app. - Drivers: Add a driver through My State. - Claims: Lodge and track claims online or in the app. State explicitly lists all four capabilities in its online self-service information. [What Can I Do Online?](https://www.state.co.nz/online)[State Insurance NZ | Car, House, Contents, Travel Insurance & More](https://www.state.co.nz/) [Get a State car insurance quote](https://www.state.co.nz/) ### 3. AMI Insurance All four tasks supported - Quote and buy: Online through My AMI or the app. - Drivers: Add a driver through the online account. - Claims: Lodge and manage car claims, including tracking claim status. My AMI also supports policy updates, payments and document access. [Manage Your Insurance Online](https://www.ami.co.nz/online)[AMI Insurance](https://play.google.com/store/apps/details?id=nz.co.ami) [Manage insurance and get started with AMI](https://www.ami.co.nz/online) ## Another option: Initio ### Initio Initio is worth considering if you prefer a digital-first insurer. You can get quotes, buy policies, lodge claims and make many policy changes through its dashboard. Driver-related caveat: Initio says you generally don't need to nominate additional drivers, unless changing the under-25 driver option. Changing the main driver requires a new policy. So it isn't as direct a match if you specifically want to add and remove named drivers yourself. [Easily manage your initio account through your client dashboard](https://initio.co.nz/faqs/navigating-your-initio-dashboard/)[How do I make changes to my vehicle cover?](https://initio.co.nz/faqs/changes-to-vehicle-cover/) [Get an Initio quote](https://initio.co.nz/) ## Quick comparison | Insurer | Quote online | Buy online | Update drivers online | Lodge claims online | | --- | --- | --- | --- | --- | | Tower | Yes | Yes | Add/remove | Yes | | State | Yes | Yes | Add driver | Yes | | AMI | Yes | Yes | Add driver | Yes | | Initio | Yes | Yes | Limited/different process | Yes | ## My recommendation Start with Tower, State and AMI. They explicitly document online quoting, purchasing, driver management and claims, making them the clearest matches for your requirements. Compare quotes using the same vehicle value, excess, cover type and driver details. Also check whether each insurer lets you remove a driver online, as well as add one. One final point: online claims lodgement doesn't necessarily mean every claim can be resolved without further contact. ## Gemini Answer ID: cf1ee11f-54a8-4ee6-9d84-775340cb0713 Several major car insurance providers in New Zealand fully support end-to-end digital self-service—allowing you to get a quote, buy a policy, update details (such as drivers or vehicle information), and lodge and track claims entirely online through a web portal or mobile app. Key insurers that meet all of these criteria include: ### 1. **Tower Insurance** * **Quote & Buy:** Fully online via their website. * **Manage Drivers & Policy:** Handled through the **My Tower** online portal or app, where you can update policy details, change drivers, and adjust covers. * **Claims:** You can lodge, track, and manage car claims digitally through My Tower. ### 2. **State Insurance** * **Quote & Buy:** Quotes and policy purchases are available directly online. * **Manage Drivers & Policy:** Managed via the **My State** online account or the State mobile app. * **Claims:** Claims can be submitted, tracked, and managed completely online, with many straightforward claims eligible for automated instant approval. ### 3. **AMI Insurance** * **Quote & Buy:** Quotes and buy flows are entirely online. * **Manage Drivers & Policy:** Managed digitally through the **My AMI** portal or app. * **Claims:** Online claims submission, document uploading, repair booking, and progress tracking are fully supported via My AMI. ### 4. **Cove Insurance** * **Quote & Buy:** Built as a digital-first Kiwi insurer, quotes take minutes and policies are bought entirely online. * **Manage Drivers & Policy:** Managed 24/7 through the **My Cove** customer portal. * **Claims:** Claims and support (via online tools/live chat) are handled digitally. *(Note: Traditional composite banks or older legacy insurers in NZ sometimes let you buy online, but may require phone calls or form submissions to update specific driver details or process certain claim types. The providers listed above are built for full digital self-service across the entire lifecycle of the policy.)* ## AI Overviews Answer ID: 73b49206-d788-4ea6-8e17-83120e561ecf Several leading New Zealand car insurance companies allow you to complete all four of these tasks—**getting a quote, buying cover, updating drivers, and lodging claims** —entirely online through their web portals or mobile apps. The primary insurers offering this full suite of digital self-service tools include: 1\. AMI Insurance Through the **My AMI** portal and the AMI mobile app, you can completely self-manage your personal vehicle policies: * **Quote & Buy:** Generate a quick quote online and immediately activate your policy. * **Update Drivers:** Add a driver to your policy directly via the online dashboard. * **Lodge Claims:** Start a draft, upload supporting documents, submit a claim, and track its progress 24/7. * Learn more or register via AMI Insurance. AMI Insurance 2\. State Insurance State provides mirror functionality across the **My State** online account and their mobile app: * **Quote & Buy:** Enter details online to get a quote in minutes and purchase cover. * **Update Drivers:** Add or modify listed drivers on eligible car policies seamlessly through the web portal. * **Lodge Claims:** Submit new motor vehicle claims and track them through the app or website. * Learn more or register via State Insurance. State Insurance NZ | Car, House, Contents, Travel Insurance & More 3\. AA Insurance Managing your cover is streamlined through a **My AA Insurance** online account: * **Quote & Buy:** Get comprehensive or third-party quotes and purchase online. * **Update Drivers:** Add listed drivers to your car policy through your online dashboard. * **Lodge Claims:** Report accidents and lodge your vehicle claims online with 24/7 digital tracking. * Learn more or register via AA Insurance. Car Insurance – Get a Quote and Buy Online | AA InsuranceMy AA Insurance is your anywhere, anytime online accountMy AA Insurance * * * Other Notable Digital Insurers in NZ * **Cove Insurance:** Built as a digital-first provider, Cove Insurance allows you to complete quotes, buy immediately, and fully manage your policies online through the "My Cove" portal. * **Tower Insurance:** Known for a robust digital platform, Tower Insurance lets you quote, purchase, modify policy details, and lodge claims dynamically via your online portal. Would you like to compare these insurers by **average pricing** for your specific age bracket, or see which ones offer **multi-policy discounts** if you bundle your home or contents insurance? ## Google AI Mode Answer ID: 01c886ea-75aa-4910-ac27-19914f7fcf54 Several major car insurance providers in New Zealand offer fully digital self-service platforms (via web portals or mobile apps) that allow you to handle your entire policy lifecycle—from quoting and buying to updating details and lodging claims online. Top NZ car insurers providing these complete online end-to-end capabilities include: * * [AMI Insurance](https://www.ami.co.nz/car-insurance) — Through the My AMI online portal or mobile app, you can get quotes, buy policies, view and update your personal details or policies, and make/track claims digitally. * [State Insurance](https://www.state.co.nz/car-insurance) — Via My State or the State app, you can pull a quote, purchase comprehensive or third-party cover, update policy details (including adding drivers), and lodge or track claims with photos. * [Tower Insurance](https://www.tower.co.nz/car-insurance/) — Tower operates heavily as a digital-first insurer, enabling you to quote, buy, manage your policy details, and make claims entirely online through their online customer hub. * _(Note: While other prominent insurers like[AA Insurance](https://www.aainsurance.co.nz/car-insurance) allow you to get quotes and buy online, certain policy changes or updates may still require speaking with their customer service teams depending on the complexity of the adjustment.)_ If you'd like, I can help you: * **Compare the specific coverage limits** or excess options of these insurers * **Look at the optional add-ons** (like rental car cover or glass protection) they provide online Let me know how you would like to **proceed with your choice**.